Don't be afraid** advice from JERKBALL

thanks for your advice jerkball

Jerkball,
Did you pay off your PDL? I can't pay mine. I have been in default for two months. Haven't heard from any collection agencies. I seen post in the forum that since I live in the state of Florida that the state usery laws protect me. Haven't heard much from any these PDLs. Wonder if this the "quite before the storm.

Hey,Jerkball...tell us your story how you "won" these guys over.
Would love to hear your experience.

Jerkball is right! Payday loan collectors are mastermind manipulators and they are full of hot air. It is possible to resolve the problem without them if they are just going to be a part of the problem.

Jerkball, I hope you've formally joined us already!

Wow, thanks for the info.

I am having trouble finding the collectors so I can pay them off. My credit report only lists 2 utility companies. How can I find out to whom I can pay my debts off. Any advice you can will be helpful. Thanks in advance for your help.
P.S. why do they make it so easy to ruin your credit, but impossible to payoff?

Lol, I will tell my story, just not tonight. You can read a few of my experiences, like my ameriloan experience, which was fun, full of lies and foolishness.. I don' have the time to spend here tonight, but I will tell soon.

My approach is very simple, and comes from advice a bankruptcy lawyer gave me a few years ago. He let me know that in reality, there is really nothing any of the people can do to you.. They can't come to your house and get you, they can't take your money or property, unless you let them. And in order to do that, they need some cooperation from you. They need you to play ball with them, don't. While we should always pay off our debts, sometimes shit just happens and we can't. It's nothing personal, it's a facesless company who wins wether you pay them or not. You pay, they get their money back, and probably alot more. You don't pay, they wtire it off as a bad debt expense, and probably collect more then if you had paid it off in the first place. So who cares? Not me, and I will certainly not let some little min. wage slimeball reading a script on the other end of the phone push me around..

If it helps you at all, think of a bill collector who calls you as one of those stinking drunks who pushes you to give them your spare chang outside of the liquor store. The only difference? The drunk has more of a future than the collector, LOL. Bad I know. But you need to let these shit bums know where they stand..

OMG...ROFLMAO...you are a riot, jerkball, and an inspiration!

Hey, we are all gonng through tought times to some extent or another. Whatever I can do!

thanks for posting the great info,
i'm going in the poor house been paying online payday loan fees for months,, now dont have rent..
i'm forced to close my bank account ,,
should i call the payday loan places 1st or wait for them to call me,,

I'd get on the phone asap and tell them you can't pay right now and try to make other arrangements. You'd be surprised that some will work with you. Don't take no for an answer, and always pay with money order if possible.

I like your style Jerkball! You, me, and beatlemyn02 together and this forum will explode!

Another advice--Be persistant...It will pay off in the end. :)

Another good thing to take note of it how much you are paying back. If it seems like you're being whacked with excessive fees, you more than likely are. Call them on it because extortion is a felony. Fees and applicable interest are percentages, not exponents, and even those can be compromised.

By keeping track of your payments, you can pinpoint the exact time in which you have covered the original balance. Jessi did a remarkable thing by writing a detailed payment history summary to her collection agency explaining the excessive amount already paid way beyond original balance, and that the account should have been closed. For JD Marketing to contiue to dunn her would be extortion.

Jessi, if they still seem aloof, send a copy of that letter, plus a complaint to the consumer affairs department of the Attorney General's office of their state (Nevada). This should be over and done with.

I have never had any dealings with payday loans and the like. Just our of curiousity, I thought that you wrote them a check, and made some agreement. If you didn't pay some sort of interest, they send the check to the bank. If it bounces, you're in trouble.

This is just my vague understanding. Corrections please!

That's the catch. What goes on exactly is when one goes for a payday loan, they write the lender a postdated check for that amount and then recieves the cash. What happens all too often is that the lender tries to cash that check before the date on the check, and then later on may help themselves to more of your money, using manipulations and guilt trips to keep you at bay when you call them on it.

i didnt write any checks..
mine are online places,,
they take fees out of my bank acct online.,,,
as an electronic debit

Thanks Jedi Mistress Ari. They must have a bit of political clout as well. In the state I used to in, the legislature passed several acts "clamping down on pawn shops' usery". They left payday lenders out of the legislation however.

Good! This deceitful loansharking really should be outlawed because so many good folks are being swindled to death!

Hi people
I do not know what to give for Christmas of the to friends, advise something ....

This is a debt forum where people come to seek advice and support for getting out of debt. Contact a personal shopper.

Give them good advice about finances and debt, start a GTMA fund for their children, SAVINGS BONDS!